That's $10,500 on a $300K home. Flexible credit requirements. Built for first-time buyers who are ready to own.
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"Had a 658 credit score and two conventional rejections before I called Bedrock Mortgage. They walked me into FHA, 3.5% down on a $275k townhouse in Fort Lauderdale. Pre-approved in 48 hours. PMI eventually drops off. I can live with that."
"FHA, 3.5% down on a $320k condo. I had to pull together $15,600. Took me about 18 months of saving. My rent was $2,400, mortgage is $2,510. Basically the same monthly but I own it now. The 23-day close actually helped us beat out two other offers."
"641 credit score, first house, 25 years old. FHA at 6.625%, seller paid $5k in concessions, total out of pocket ended up around $6k. I genuinely thought I'd have to wait years to get my score up. Didn't have to."
FHA loans exist specifically for buyers who don't have a 20% down payment or a perfect credit score. That's most people. We've helped thousands of them close.
Get Pre-Qualified →That's $10,500 on a $300K home. Keep more cash for moving, furniture, and reserves.
More forgiving than conventional loans. Recent credit issues or a thin file? FHA is designed for you.
Family can gift your entire down payment. We handle all the documentation, no delays.
Negotiate closing costs into the deal. Save thousands at the table without touching your own cash.
Tell us your credit score, income, and the area you're buying in. No hard pull yet, just a soft inquiry to see exactly which FHA programs you qualify for and how much you can borrow.
We'll tell you exactly what to upload, 2 years W-2, last 2 pay stubs, 2 months bank statements. Gift letter if a family member is helping with your down payment. Simple checklist, no guessing.
Your FHA pre-approval letter shows sellers exactly what you can afford. Remember: FHA loans require the home to pass an appraisal. Your loan officer will guide you on what to look for.
We underwrite and fund in-house, so there's no wholesale lender waiting in the middle. From accepted offer to keys in your hand in 21 days, even for FHA.
You can qualify with a credit score as low as 580 for the 3.5% down payment option. If your score is between 500-579, you'll need 10% down. FHA is much more flexible than conventional loans which typically require 620 minimum.
Yes. FHA loans allow gift funds from family members for your entire down payment and closing costs. No limits on gift amounts. We'll guide you through the documentation.
FHA requires an upfront premium of 1.75% (rolled into your loan) and an annual premium of 0.55–0.85% paid monthly. Unlike conventional PMI, FHA insurance stays for the life of the loan if you put down less than 10%.